Home > Colonial Bank, FSB > Performance and Condition Ratios
Colonial Bank, FSB, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8533% | 6,027 |
| Cost of funding earning assets | 0.4707% | 2,560 |
| Net interest margin | 2.3826% | 6,107 |
| Noninterest income to average assets | 0.1760% | 5,659 |
| Noninterest expense to average assets | 2.4755% | 4,342 |
| Loan and lease loss provision to assets | -1.2212% | 6,388 |
| Net operating income to assets | 0.7601% | 3,484 |
| Return on assets (ROA) | 0.7866% | 3,466 |
| Pretax return on assets | 1.1875% | 2,721 |
| Return on Equity (ROE) | 6.9332% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.9332% | 2,038 |
| Net charge-offs to loans | 0.5701% | 433 |
| Credit loss provision to net charge-offs | -437.0180% | 4,787 |
| Earnings coverage of net charge-offs (x) | -0.2648% | 3,132 |
| Efficiency ratio | 103.0811% | 285 |
| Assets per employee ($millions) | 6.4267% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 5,681 |
| Loan loss allowance to noncurrent loans | 19.6787% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 2.3394% | 943 |
| Noncurrent loans to loans | 4.0919% | 420 |
| Net loans and leases to total assets | 47.4893% | 5,086 |
| Net loans and leases to deposits | 53.7144% | 5,215 |
| Net loans and leases to core deposits | 54.3341% | 5,352 |
| Total domestic deposits to total assets | 88.4107% | 1,592 |
| Equity capital to assets | 11.2417% | 2,706 |
| Core capital (leverage) ratio | 11.0632% | 2,354 |
| Tier 1 risk-based capital ratio | 23.1205% | 1,095 |
| Total risk-based capital ratio | 23.9524% | 1,131 |
| Memoranda: | ||
| Average total assets | $556,821,000 | 1,241 |
| Average earning assets | $520,101,000 | 1,226 |
| Average equity | $63,174,000 | 1,209 |
| Average total loans | $272,958,000 | 1,604 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0141% | 6,054 |
| Cost of funding earning assets | 0.5260% | 2,426 |
| Net interest margin | 2.4881% | 6,170 |
| Noninterest income to average assets | 0.1362% | 6,010 |
| Noninterest expense to average assets | 2.1041% | 5,565 |
| Loan and lease loss provision to assets | 0.0059% | 4,503 |
| Net operating income to assets | 0.2504% | 5,661 |
| Return on assets (ROA) | 0.3440% | 5,463 |
| Pretax return on assets | 0.4648% | 5,344 |
| Return on Equity (ROE) | 3.2191% | 5,408 |
| Retained earnings to average equity (ytd only) | 3.2191% | 3,943 |
| Net charge-offs to loans | 0.5765% | 698 |
| Credit loss provision to net charge-offs | 2.0729% | 4,188 |
| Earnings coverage of net charge-offs (x) | 1.2035% | 4,473 |
| Efficiency ratio | 85.9407% | 1,178 |
| Assets per employee ($millions) | 6.1553% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 2,163 |
| Loan loss allowance to noncurrent loans | 54.1283% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 1.8746% | 1,376 |
| Noncurrent loans to loans | 2.9157% | 782 |
| Net loans and leases to total assets | 49.4381% | 5,025 |
| Net loans and leases to deposits | 56.0922% | 5,181 |
| Net loans and leases to core deposits | 56.9047% | 5,320 |
| Total domestic deposits to total assets | 88.1373% | 1,696 |
| Equity capital to assets | 11.4551% | 2,471 |
| Core capital (leverage) ratio | 11.0615% | 2,348 |
| Tier 1 risk-based capital ratio | 23.5709% | 997 |
| Total risk-based capital ratio | 24.8337% | 980 |
| Memoranda: | ||
| Average total assets | $556,636,600 | 1,202 |
| Average earning assets | $517,266,000 | 1,185 |
| Average equity | $59,488,800 | 1,231 |
| Average total loans | $276,132,200 | 1,541 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0247% | 6,112 |
| Cost of funding earning assets | 0.5279% | 2,488 |
| Net interest margin | 2.4967% | 6,228 |
| Noninterest income to average assets | 0.1249% | 6,139 |
| Noninterest expense to average assets | 2.1004% | 5,570 |
| Loan and lease loss provision to assets | 0.0690% | 2,965 |
| Net operating income to assets | 0.1834% | 5,877 |
| Return on assets (ROA) | 0.2631% | 5,768 |
| Pretax return on assets | 0.3935% | 5,589 |
| Return on Equity (ROE) | 2.5058% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.5058% | 4,793 |
| Net charge-offs to loans | 0.8304% | 401 |
| Credit loss provision to net charge-offs | 16.8019% | 3,614 |
| Earnings coverage of net charge-offs (x) | 0.8366% | 4,306 |
| Efficiency ratio | 85.9424% | 1,187 |
| Assets per employee ($millions) | 6.2057% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 2,300 |
| Loan loss allowance to noncurrent loans | 44.4903% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 2.3811% | 1,139 |
| Noncurrent loans to loans | 3.5975% | 653 |
| Net loans and leases to total assets | 49.1675% | 5,096 |
| Net loans and leases to deposits | 56.6219% | 5,195 |
| Net loans and leases to core deposits | 57.5764% | 5,359 |
| Total domestic deposits to total assets | 86.8348% | 2,402 |
| Equity capital to assets | 10.9331% | 3,022 |
| Core capital (leverage) ratio | 10.6318% | 2,883 |
| Tier 1 risk-based capital ratio | 22.3527% | 1,211 |
| Total risk-based capital ratio | 23.6150% | 1,193 |
| Memoranda: | ||
| Average total assets | $560,379,500 | 1,194 |
| Average earning assets | $520,505,250 | 1,179 |
| Average equity | $58,849,000 | 1,251 |
| Average total loans | $277,144,500 | 1,549 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0686% | 6,107 |
| Cost of funding earning assets | 0.5316% | 2,525 |
| Net interest margin | 2.5370% | 6,234 |
| Noninterest income to average assets | 0.1328% | 6,154 |
| Noninterest expense to average assets | 2.1131% | 5,598 |
| Loan and lease loss provision to assets | 0.1946% | 1,256 |
| Net operating income to assets | 0.1342% | 5,986 |
| Return on assets (ROA) | 0.2643% | 5,753 |
| Pretax return on assets | 0.3573% | 5,662 |
| Return on Equity (ROE) | 2.5507% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.5507% | 4,580 |
| Net charge-offs to loans | 0.9635% | 368 |
| Credit loss provision to net charge-offs | 40.9873% | 2,909 |
| Earnings coverage of net charge-offs (x) | 0.7921% | 3,971 |
| Efficiency ratio | 84.8887% | 1,398 |
| Assets per employee ($millions) | 6.1825% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 1,686 |
| Loan loss allowance to noncurrent loans | 38.5740% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 2.9642% | 863 |
| Noncurrent loans to loans | 4.8137% | 432 |
| Net loans and leases to total assets | 48.6434% | 5,119 |
| Net loans and leases to deposits | 56.0220% | 5,190 |
| Net loans and leases to core deposits | 56.8528% | 5,359 |
| Total domestic deposits to total assets | 86.8292% | 2,559 |
| Equity capital to assets | 10.9311% | 2,945 |
| Core capital (leverage) ratio | 10.5338% | 2,905 |
| Tier 1 risk-based capital ratio | 21.7372% | 1,300 |
| Total risk-based capital ratio | 22.9954% | 1,278 |
| Memoranda: | ||
| Average total assets | $563,070,670 | 1,184 |
| Average earning assets | $522,973,330 | 1,165 |
| Average equity | $58,337,330 | 1,252 |
| Average total loans | $277,535,330 | 1,536 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1202% | 6,093 |
| Cost of funding earning assets | 0.5333% | 2,568 |
| Net interest margin | 2.5870% | 6,255 |
| Noninterest income to average assets | 0.1377% | 6,155 |
| Noninterest expense to average assets | 2.1353% | 5,605 |
| Loan and lease loss provision to assets | 0.3849% | 438 |
| Net operating income to assets | 0.0646% | 6,098 |
| Return on assets (ROA) | 0.0674% | 6,118 |
| Pretax return on assets | 0.0225% | 6,192 |
| Return on Equity (ROE) | 0.6686% | 6,109 |
| Retained earnings to average equity (ytd only) | 0.6686% | 5,325 |
| Net charge-offs to loans | 2.0919% | 121 |
| Credit loss provision to net charge-offs | 37.4317% | 2,325 |
| Earnings coverage of net charge-offs (x) | 0.3934% | 3,354 |
| Efficiency ratio | 84.0708% | 1,664 |
| Assets per employee ($millions) | 5.5621% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7767% | 2,113 |
| Loan loss allowance to noncurrent loans | 28.6968% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 3.6945% | 683 |
| Noncurrent loans to loans | 6.1912% | 287 |
| Net loans and leases to total assets | 49.0719% | 4,994 |
| Net loans and leases to deposits | 55.1387% | 5,187 |
| Net loans and leases to core deposits | 55.8636% | 5,365 |
| Total domestic deposits to total assets | 88.9973% | 1,663 |
| Equity capital to assets | 10.5478% | 3,202 |
| Core capital (leverage) ratio | 10.2831% | 3,187 |
| Tier 1 risk-based capital ratio | 19.9808% | 1,724 |
| Total risk-based capital ratio | 21.2432% | 1,687 |
| Memoranda: | ||
| Average total assets | $569,486,500 | 1,166 |
| Average earning assets | $528,804,500 | 1,160 |
| Average equity | $57,432,500 | 1,265 |
| Average total loans | $279,943,500 | 1,530 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1874% | 6,146 |
| Cost of funding earning assets | 0.6890% | 1,894 |
| Net interest margin | 2.4984% | 6,372 |
| Noninterest income to average assets | 0.1181% | 6,326 |
| Noninterest expense to average assets | 2.2185% | 5,583 |
| Loan and lease loss provision to assets | 0.9307% | 203 |
| Net operating income to assets | -0.3766% | 6,447 |
| Return on assets (ROA) | -0.2654% | 6,416 |
| Pretax return on assets | -0.5306% | 6,495 |
| Return on Equity (ROE) | -2.6849% | 6,412 |
| Retained earnings to average equity (ytd only) | -2.6849% | 6,240 |
| Net charge-offs to loans | 1.3553% | 364 |
| Credit loss provision to net charge-offs | 142.7605% | 1,636 |
| Earnings coverage of net charge-offs (x) | 0.3472% | 4,967 |
| Efficiency ratio | 90.7421% | 969 |
| Assets per employee ($millions) | 5.4978% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0755% | 1,383 |
| Loan loss allowance to noncurrent loans | 37.2423% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 3.2559% | 934 |
| Noncurrent loans to loans | 5.5729% | 402 |
| Net loans and leases to total assets | 47.3870% | 5,358 |
| Net loans and leases to deposits | 52.6917% | 5,573 |
| Net loans and leases to core deposits | 53.4443% | 5,712 |
| Total domestic deposits to total assets | 89.9326% | 1,110 |
| Equity capital to assets | 9.6432% | 4,227 |
| Core capital (leverage) ratio | 9.7397% | 3,925 |
| Tier 1 risk-based capital ratio | 19.1857% | 1,871 |
| Total risk-based capital ratio | 20.4512% | 1,825 |
| Memoranda: | ||
| Average total assets | $612,360,000 | 1,089 |
| Average earning assets | $570,280,800 | 1,066 |
| Average equity | $60,524,400 | 1,185 |
| Average total loans | $294,557,400 | 1,436 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1924% | 6,205 |
| Cost of funding earning assets | 0.7135% | 1,863 |
| Net interest margin | 2.4789% | 6,443 |
| Noninterest income to average assets | 0.0669% | 6,580 |
| Noninterest expense to average assets | 2.1429% | 5,738 |
| Loan and lease loss provision to assets | 1.1918% | 119 |
| Net operating income to assets | -0.6449% | 6,640 |
| Return on assets (ROA) | -0.4916% | 6,608 |
| Pretax return on assets | -0.7287% | 6,644 |
| Return on Equity (ROE) | -4.9453% | 6,599 |
| Retained earnings to average equity (ytd only) | -4.9453% | 6,491 |
| Net charge-offs to loans | 1.7937% | 231 |
| Credit loss provision to net charge-offs | 138.3271% | 1,691 |
| Earnings coverage of net charge-offs (x) | 0.2719% | 4,773 |
| Efficiency ratio | 90.1448% | 982 |
| Assets per employee ($millions) | 5.5872% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9582% | 1,830 |
| Loan loss allowance to noncurrent loans | 35.3058% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 3.3849% | 1,020 |
| Noncurrent loans to loans | 5.5463% | 491 |
| Net loans and leases to total assets | 47.5696% | 5,395 |
| Net loans and leases to deposits | 53.7376% | 5,563 |
| Net loans and leases to core deposits | 54.4619% | 5,730 |
| Total domestic deposits to total assets | 88.5219% | 1,829 |
| Equity capital to assets | 9.5905% | 4,432 |
| Core capital (leverage) ratio | 9.4332% | 4,501 |
| Tier 1 risk-based capital ratio | 18.3481% | 2,196 |
| Total risk-based capital ratio | 19.6120% | 2,155 |
| Memoranda: | ||
| Average total assets | $619,759,250 | 1,085 |
| Average earning assets | $577,606,000 | 1,063 |
| Average equity | $61,606,250 | 1,177 |
| Average total loans | $297,695,000 | 1,418 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1912% | 6,241 |
| Cost of funding earning assets | 0.7403% | 1,767 |
| Net interest margin | 2.4509% | 6,498 |
| Noninterest income to average assets | 0.0762% | 6,601 |
| Noninterest expense to average assets | 2.0655% | 5,931 |
| Loan and lease loss provision to assets | 0.8643% | 234 |
| Net operating income to assets | -0.3188% | 6,560 |
| Return on assets (ROA) | -0.1024% | 6,452 |
| Pretax return on assets | -0.2316% | 6,514 |
| Return on Equity (ROE) | -1.0186% | 6,459 |
| Retained earnings to average equity (ytd only) | -1.0186% | 6,057 |
| Net charge-offs to loans | 1.4995% | 350 |
| Credit loss provision to net charge-offs | 120.3909% | 1,850 |
| Earnings coverage of net charge-offs (x) | 0.4105% | 4,401 |
| Efficiency ratio | 87.5135% | 1,277 |
| Assets per employee ($millions) | 5.9542% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 3,381 |
| Loan loss allowance to noncurrent loans | 25.4181% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 3.6518% | 1,021 |
| Noncurrent loans to loans | 6.0831% | 454 |
| Net loans and leases to total assets | 46.9011% | 5,436 |
| Net loans and leases to deposits | 55.3903% | 5,399 |
| Net loans and leases to core deposits | 56.0398% | 5,592 |
| Total domestic deposits to total assets | 84.6738% | 4,051 |
| Equity capital to assets | 9.4509% | 4,649 |
| Core capital (leverage) ratio | 9.8281% | 3,757 |
| Tier 1 risk-based capital ratio | 19.1455% | 1,956 |
| Total risk-based capital ratio | 20.4019% | 1,922 |
| Memoranda: | ||
| Average total assets | $627,067,670 | 1,070 |
| Average earning assets | $584,350,330 | 1,055 |
| Average equity | $63,030,000 | 1,160 |
| Average total loans | $300,237,670 | 1,405 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2473% | 6,243 |
| Cost of funding earning assets | 0.7516% | 1,837 |
| Net interest margin | 2.4957% | 6,516 |
| Noninterest income to average assets | 0.2828% | 5,441 |
| Noninterest expense to average assets | 2.1229% | 5,858 |
| Loan and lease loss provision to assets | 0.0268% | 4,131 |
| Net operating income to assets | 0.3431% | 5,389 |
| Return on assets (ROA) | 0.3675% | 5,404 |
| Pretax return on assets | 0.4898% | 5,298 |
| Return on Equity (ROE) | 3.5507% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.5507% | 4,110 |
| Net charge-offs to loans | 0.1446% | 2,539 |
| Credit loss provision to net charge-offs | 38.5321% | 2,767 |
| Earnings coverage of net charge-offs (x) | 6.9725% | 2,138 |
| Efficiency ratio | 81.4317% | 2,125 |
| Assets per employee ($millions) | 6.0266% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,453 |
| Loan loss allowance to noncurrent loans | 30.8688% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 2.9382% | 1,532 |
| Noncurrent loans to loans | 4.3819% | 974 |
| Net loans and leases to total assets | 47.0103% | 5,331 |
| Net loans and leases to deposits | 53.4414% | 5,480 |
| Net loans and leases to core deposits | 54.0897% | 5,659 |
| Total domestic deposits to total assets | 87.9660% | 2,335 |
| Equity capital to assets | 10.2824% | 3,818 |
| Core capital (leverage) ratio | 9.9311% | 3,493 |
| Tier 1 risk-based capital ratio | 19.1121% | 2,010 |
| Total risk-based capital ratio | 20.3623% | 1,982 |
| Memoranda: | ||
| Average total assets | $628,006,500 | 1,086 |
| Average earning assets | $584,855,500 | 1,058 |
| Average equity | $65,002,000 | 1,134 |
| Average total loans | $301,443,500 | 1,403 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7044% | 6,043 |
| Cost of funding earning assets | 0.9508% | 1,639 |
| Net interest margin | 2.7535% | 6,444 |
| Noninterest income to average assets | 0.2482% | 5,685 |
| Noninterest expense to average assets | 2.2618% | 5,782 |
| Loan and lease loss provision to assets | 1.0448% | 375 |
| Net operating income to assets | -0.2710% | 6,420 |
| Return on assets (ROA) | -0.2443% | 6,466 |
| Pretax return on assets | -0.4454% | 6,549 |
| Return on Equity (ROE) | -2.2650% | 6,467 |
| Retained earnings to average equity (ytd only) | -4.2406% | 6,380 |
| Net charge-offs to loans | 1.5907% | 533 |
| Credit loss provision to net charge-offs | 137.3362% | 2,012 |
| Earnings coverage of net charge-offs (x) | 0.7332% | 5,114 |
| Efficiency ratio | 80.2179% | 2,117 |
| Assets per employee ($millions) | 6.1100% | 1,216 |
| Cash dividends to net income (ytd only)* | -87.2284% | 7,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 4,283 |
| Loan loss allowance to noncurrent loans | 30.8482% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 3.0147% | 1,574 |
| Noncurrent loans to loans | 4.4603% | 960 |
| Net loans and leases to total assets | 47.6853% | 5,446 |
| Net loans and leases to deposits | 53.4562% | 5,697 |
| Net loans and leases to core deposits | 54.0713% | 5,867 |
| Total domestic deposits to total assets | 89.2044% | 1,432 |
| Equity capital to assets | 10.4197% | 3,628 |
| Core capital (leverage) ratio | 9.9989% | 3,398 |
| Tier 1 risk-based capital ratio | 19.2978% | 1,868 |
| Total risk-based capital ratio | 20.5538% | 1,842 |
| Memoranda: | ||
| Average total assets | $621,755,400 | 1,065 |
| Average earning assets | $580,641,400 | 1,044 |
| Average equity | $67,065,200 | 1,049 |
| Average total loans | $297,361,000 | 1,409 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 6,115 |
| Cost of funding earning assets | 0.9816% | 1,668 |
| Net interest margin | 2.7747% | 6,543 |
| Noninterest income to average assets | 0.2418% | 5,817 |
| Noninterest expense to average assets | 2.0313% | 6,302 |
| Loan and lease loss provision to assets | 1.0885% | 360 |
| Net operating income to assets | -0.1623% | 6,464 |
| Return on assets (ROA) | -0.1324% | 6,521 |
| Pretax return on assets | -0.2377% | 6,560 |
| Return on Equity (ROE) | -1.2170% | 6,518 |
| Retained earnings to average equity (ytd only) | -1.2170% | 6,298 |
| Net charge-offs to loans | 2.0006% | 360 |
| Credit loss provision to net charge-offs | 114.0769% | 2,560 |
| Earnings coverage of net charge-offs (x) | 0.8426% | 4,908 |
| Efficiency ratio | 71.6437% | 3,387 |
| Assets per employee ($millions) | 6.0538% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 6,036 |
| Loan loss allowance to noncurrent loans | 56.1659% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.9425% | 2,723 |
| Noncurrent loans to loans | 1.7994% | 3,078 |
| Net loans and leases to total assets | 46.7655% | 5,683 |
| Net loans and leases to deposits | 52.8260% | 5,903 |
| Net loans and leases to core deposits | 53.5287% | 6,080 |
| Total domestic deposits to total assets | 88.5274% | 1,709 |
| Equity capital to assets | 10.7214% | 3,587 |
| Core capital (leverage) ratio | 10.2210% | 3,262 |
| Tier 1 risk-based capital ratio | 19.9762% | 1,764 |
| Total risk-based capital ratio | 20.9208% | 1,811 |
| Memoranda: | ||
| Average total assets | $621,390,500 | 1,074 |
| Average earning assets | $580,809,000 | 1,048 |
| Average equity | $67,597,250 | 1,046 |
| Average total loans | $296,369,250 | 1,429 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 6,115 |
| Cost of funding earning assets | 1.0245% | 1,612 |
| Net interest margin | 2.7856% | 6,604 |
| Noninterest income to average assets | 0.2434% | 5,829 |
| Noninterest expense to average assets | 1.9804% | 6,474 |
| Loan and lease loss provision to assets | 1.5336% | 229 |
| Net operating income to assets | -0.4156% | 6,694 |
| Return on assets (ROA) | -0.3750% | 6,715 |
| Pretax return on assets | -0.6029% | 6,774 |
| Return on Equity (ROE) | -3.4305% | 6,699 |
| Retained earnings to average equity (ytd only) | -3.4305% | 6,505 |
| Net charge-offs to loans | 2.6924% | 242 |
| Credit loss provision to net charge-offs | 119.0464% | 2,312 |
| Earnings coverage of net charge-offs (x) | 0.6733% | 4,721 |
| Efficiency ratio | 69.5425% | 3,841 |
| Assets per employee ($millions) | 5.8682% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 6,122 |
| Loan loss allowance to noncurrent loans | 59.4135% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.9667% | 2,822 |
| Noncurrent loans to loans | 1.6997% | 3,347 |
| Net loans and leases to total assets | 46.7401% | 5,752 |
| Net loans and leases to deposits | 52.8736% | 5,967 |
| Net loans and leases to core deposits | 53.7715% | 6,107 |
| Total domestic deposits to total assets | 88.3997% | 1,887 |
| Equity capital to assets | 10.8474% | 3,293 |
| Core capital (leverage) ratio | 10.3542% | 2,979 |
| Tier 1 risk-based capital ratio | 20.4443% | 1,590 |
| Total risk-based capital ratio | 21.3975% | 1,640 |
| Memoranda: | ||
| Average total assets | $618,656,330 | 1,077 |
| Average earning assets | $578,413,000 | 1,047 |
| Average equity | $67,629,330 | 1,037 |
| Average total loans | $296,013,000 | 1,438 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8645% | 6,103 |
| Cost of funding earning assets | 1.0257% | 1,839 |
| Net interest margin | 2.8388% | 6,575 |
| Noninterest income to average assets | 0.2484% | 5,866 |
| Noninterest expense to average assets | 1.9371% | 6,573 |
| Loan and lease loss provision to assets | 0.8053% | 610 |
| Net operating income to assets | 0.1227% | 6,189 |
| Return on assets (ROA) | 0.2020% | 6,129 |
| Pretax return on assets | 0.2723% | 6,030 |
| Return on Equity (ROE) | 1.8405% | 6,119 |
| Retained earnings to average equity (ytd only) | 1.8405% | 5,327 |
| Net charge-offs to loans | 4.5687% | 117 |
| Credit loss provision to net charge-offs | 36.5982% | 3,502 |
| Earnings coverage of net charge-offs (x) | 0.4411% | 4,126 |
| Efficiency ratio | 66.6223% | 4,441 |
| Assets per employee ($millions) | 6.3744% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 6,376 |
| Loan loss allowance to noncurrent loans | 56.5063% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 3,960 |
| Noncurrent loans to loans | 1.7068% | 3,553 |
| Net loans and leases to total assets | 46.1683% | 5,763 |
| Net loans and leases to deposits | 52.0904% | 5,960 |
| Net loans and leases to core deposits | 52.9013% | 6,133 |
| Total domestic deposits to total assets | 88.6311% | 1,936 |
| Equity capital to assets | 10.6561% | 3,315 |
| Core capital (leverage) ratio | 10.1851% | 3,130 |
| Tier 1 risk-based capital ratio | 19.3540% | 1,883 |
| Total risk-based capital ratio | 20.2084% | 1,957 |
| Memoranda: | ||
| Average total assets | $619,902,000 | 1,072 |
| Average earning assets | $580,672,500 | 1,043 |
| Average equity | $68,025,000 | 1,030 |
| Average total loans | $298,552,500 | 1,423 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 5,648 |
| Cost of funding earning assets | 1.3015% | 1,481 |
| Net interest margin | 3.0330% | 6,480 |
| Noninterest income to average assets | 0.2438% | 5,800 |
| Noninterest expense to average assets | 2.0128% | 6,653 |
| Loan and lease loss provision to assets | 0.3127% | 3,167 |
| Net operating income to assets | 0.5646% | 4,171 |
| Return on assets (ROA) | 0.5888% | 4,240 |
| Pretax return on assets | 0.7966% | 3,990 |
| Return on Equity (ROE) | 5.3277% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.3277% | 2,432 |
| Net charge-offs to loans | 0.5236% | 2,899 |
| Credit loss provision to net charge-offs | 113.9008% | 2,875 |
| Earnings coverage of net charge-offs (x) | 3.9216% | 3,335 |
| Efficiency ratio | 65.1502% | 4,929 |
| Assets per employee ($millions) | 5.9055% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 6,750 |
| Loan loss allowance to noncurrent loans | 38.8428% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 1.5348% | 3,652 |
| Noncurrent loans to loans | 2.0514% | 3,141 |
| Net loans and leases to total assets | 49.3977% | 5,673 |
| Net loans and leases to deposits | 57.0304% | 5,799 |
| Net loans and leases to core deposits | 57.8146% | 6,008 |
| Total domestic deposits to total assets | 86.6164% | 2,968 |
| Equity capital to assets | 11.3094% | 2,680 |
| Core capital (leverage) ratio | 10.8230% | 2,419 |
| Tier 1 risk-based capital ratio | 19.2680% | 1,828 |
| Total risk-based capital ratio | 19.9868% | 1,938 |
| Memoranda: | ||
| Average total assets | $594,788,000 | 1,107 |
| Average earning assets | $558,058,000 | 1,063 |
| Average equity | $65,732,200 | 1,024 |
| Average total loans | $311,853,000 | 1,360 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 5,560 |
| Cost of funding earning assets | 1.3497% | 1,452 |
| Net interest margin | 3.0655% | 6,458 |
| Noninterest income to average assets | 0.2469% | 5,853 |
| Noninterest expense to average assets | 2.0765% | 6,540 |
| Loan and lease loss provision to assets | 0.2685% | 3,357 |
| Net operating income to assets | 0.5735% | 4,203 |
| Return on assets (ROA) | 0.5917% | 4,307 |
| Pretax return on assets | 0.8039% | 4,114 |
| Return on Equity (ROE) | 5.3857% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.3857% | 2,920 |
| Net charge-offs to loans | 0.6611% | 2,265 |
| Credit loss provision to net charge-offs | 76.4894% | 4,260 |
| Earnings coverage of net charge-offs (x) | 2.9853% | 3,644 |
| Efficiency ratio | 66.4603% | 4,629 |
| Assets per employee ($millions) | 5.7619% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7141% | 6,941 |
| Loan loss allowance to noncurrent loans | 39.5248% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 4,605 |
| Noncurrent loans to loans | 1.8068% | 3,631 |
| Net loans and leases to total assets | 51.5477% | 5,502 |
| Net loans and leases to deposits | 58.7521% | 5,774 |
| Net loans and leases to core deposits | 59.5629% | 6,021 |
| Total domestic deposits to total assets | 87.7376% | 2,208 |
| Equity capital to assets | 11.4304% | 2,752 |
| Core capital (leverage) ratio | 10.9081% | 2,467 |
| Tier 1 risk-based capital ratio | 19.0094% | 1,934 |
| Total risk-based capital ratio | 19.6681% | 2,078 |
| Memoranda: | ||
| Average total assets | $592,893,500 | 1,116 |
| Average earning assets | $556,549,750 | 1,076 |
| Average equity | $65,134,250 | 1,042 |
| Average total loans | $314,830,000 | 1,362 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 5,823 |
| Cost of funding earning assets | 1.3919% | 1,454 |
| Net interest margin | 2.9691% | 6,659 |
| Noninterest income to average assets | 0.2516% | 5,846 |
| Noninterest expense to average assets | 2.0867% | 6,622 |
| Loan and lease loss provision to assets | 0.2677% | 3,255 |
| Net operating income to assets | 0.5128% | 4,446 |
| Return on assets (ROA) | 0.5197% | 4,559 |
| Pretax return on assets | 0.6936% | 4,407 |
| Return on Equity (ROE) | 4.7942% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.7942% | 3,129 |
| Net charge-offs to loans | 0.3169% | 3,288 |
| Credit loss provision to net charge-offs | 157.9365% | 1,928 |
| Earnings coverage of net charge-offs (x) | 5.6171% | 2,574 |
| Efficiency ratio | 68.6663% | 4,399 |
| Assets per employee ($millions) | 5.6909% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 6,628 |
| Loan loss allowance to noncurrent loans | 31.1177% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 1.7135% | 3,622 |
| Noncurrent loans to loans | 2.9262% | 2,491 |
| Net loans and leases to total assets | 51.6657% | 5,611 |
| Net loans and leases to deposits | 59.7498% | 5,754 |
| Net loans and leases to core deposits | 61.7416% | 5,919 |
| Total domestic deposits to total assets | 86.4700% | 3,058 |
| Equity capital to assets | 10.9963% | 2,959 |
| Core capital (leverage) ratio | 10.5333% | 2,679 |
| Tier 1 risk-based capital ratio | 18.0985% | 2,140 |
| Total risk-based capital ratio | 18.9276% | 2,244 |
| Memoranda: | ||
| Average total assets | $594,619,330 | 1,120 |
| Average earning assets | $558,222,330 | 1,081 |
| Average equity | $64,453,000 | 1,049 |
| Average total loans | $318,062,330 | 1,360 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3882% | 5,734 |
| Cost of funding earning assets | 1.3991% | 1,614 |
| Net interest margin | 2.9891% | 6,596 |
| Noninterest income to average assets | 0.2515% | 5,892 |
| Noninterest expense to average assets | 2.0487% | 6,741 |
| Loan and lease loss provision to assets | 0.2131% | 3,519 |
| Net operating income to assets | 0.5865% | 4,108 |
| Return on assets (ROA) | 0.5975% | 4,112 |
| Pretax return on assets | 0.8126% | 3,857 |
| Return on Equity (ROE) | 5.5526% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.5526% | 2,882 |
| Net charge-offs to loans | 0.3909% | 2,516 |
| Credit loss provision to net charge-offs | 100.6369% | 2,624 |
| Earnings coverage of net charge-offs (x) | 4.7739% | 2,400 |
| Efficiency ratio | 66.9605% | 4,858 |
| Assets per employee ($millions) | 5.8213% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 6,925 |
| Loan loss allowance to noncurrent loans | 27.6896% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 1.7070% | 3,691 |
| Noncurrent loans to loans | 2.8808% | 2,608 |
| Net loans and leases to total assets | 52.8482% | 5,479 |
| Net loans and leases to deposits | 60.4377% | 5,680 |
| Net loans and leases to core deposits | 61.7177% | 5,949 |
| Total domestic deposits to total assets | 87.4425% | 2,690 |
| Equity capital to assets | 10.7306% | 2,950 |
| Core capital (leverage) ratio | 10.3666% | 2,745 |
| Tier 1 risk-based capital ratio | 17.7033% | 2,219 |
| Total risk-based capital ratio | 18.4398% | 2,383 |
| Memoranda: | ||
| Average total assets | $593,159,000 | 1,128 |
| Average earning assets | $557,218,000 | 1,095 |
| Average equity | $63,826,000 | 1,050 |
| Average total loans | $321,313,500 | 1,363 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 5,248 |
| Cost of funding earning assets | 1.7045% | 1,583 |
| Net interest margin | 3.1416% | 6,410 |
| Noninterest income to average assets | 0.2546% | 5,976 |
| Noninterest expense to average assets | 1.9518% | 7,096 |
| Loan and lease loss provision to assets | 0.2316% | 4,964 |
| Net operating income to assets | 0.7403% | 3,044 |
| Return on assets (ROA) | 0.7284% | 3,235 |
| Pretax return on assets | 1.0212% | 2,858 |
| Return on Equity (ROE) | 8.0296% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.0296% | 971 |
| Net charge-offs to loans | 0.3046% | 4,492 |
| Credit loss provision to net charge-offs | 134.1683% | 2,907 |
| Earnings coverage of net charge-offs (x) | 7.3547% | 2,149 |
| Efficiency ratio | 60.5885% | 5,955 |
| Assets per employee ($millions) | 6.1117% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 6,984 |
| Loan loss allowance to noncurrent loans | 23.9137% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 1.8709% | 3,521 |
| Noncurrent loans to loans | 3.3109% | 2,291 |
| Net loans and leases to total assets | 54.6501% | 5,550 |
| Net loans and leases to deposits | 62.3878% | 5,806 |
| Net loans and leases to core deposits | 63.7916% | 6,068 |
| Total domestic deposits to total assets | 87.5974% | 2,485 |
| Equity capital to assets | 10.7907% | 2,866 |
| Core capital (leverage) ratio | 10.4401% | 2,620 |
| Tier 1 risk-based capital ratio | 17.6432% | 2,113 |
| Total risk-based capital ratio | 18.3926% | 2,259 |
| Memoranda: | ||
| Average total assets | $578,123,600 | 1,164 |
| Average earning assets | $545,960,000 | 1,112 |
| Average equity | $52,443,200 | 1,274 |
| Average total loans | $327,645,200 | 1,366 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9313% | 5,128 |
| Cost of funding earning assets | 1.7620% | 1,579 |
| Net interest margin | 3.1692% | 6,433 |
| Noninterest income to average assets | 0.2324% | 6,226 |
| Noninterest expense to average assets | 1.9220% | 7,170 |
| Loan and lease loss provision to assets | 0.1229% | 5,797 |
| Net operating income to assets | 0.8313% | 2,879 |
| Return on assets (ROA) | 0.8218% | 3,055 |
| Pretax return on assets | 1.1678% | 2,607 |
| Return on Equity (ROE) | 9.5186% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.5186% | 906 |
| Net charge-offs to loans | 0.0783% | 5,739 |
| Credit loss provision to net charge-offs | 275.1295% | 1,192 |
| Earnings coverage of net charge-offs (x) | 29.1966% | 895 |
| Efficiency ratio | 59.5710% | 6,016 |
| Assets per employee ($millions) | 5.8923% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 7,057 |
| Loan loss allowance to noncurrent loans | 38.8568% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1994% | 4,745 |
| Noncurrent loans to loans | 1.9936% | 3,689 |
| Net loans and leases to total assets | 55.5646% | 5,611 |
| Net loans and leases to deposits | 64.0322% | 5,912 |
| Net loans and leases to core deposits | 65.6733% | 6,153 |
| Total domestic deposits to total assets | 86.7760% | 2,653 |
| Equity capital to assets | 10.8612% | 3,097 |
| Core capital (leverage) ratio | 10.2904% | 2,933 |
| Tier 1 risk-based capital ratio | 17.4258% | 2,195 |
| Total risk-based capital ratio | 18.1756% | 2,327 |
| Memoranda: | ||
| Average total assets | $575,973,250 | 1,182 |
| Average earning assets | $544,134,000 | 1,122 |
| Average equity | $49,726,000 | 1,352 |
| Average total loans | $328,755,250 | 1,375 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0049% | 4,922 |
| Cost of funding earning assets | 1.8056% | 1,621 |
| Net interest margin | 3.1994% | 6,322 |
| Noninterest income to average assets | 0.2369% | 6,209 |
| Noninterest expense to average assets | 1.9162% | 7,240 |
| Loan and lease loss provision to assets | 0.1757% | 5,108 |
| Net operating income to assets | 0.8278% | 2,835 |
| Return on assets (ROA) | 0.8276% | 2,988 |
| Pretax return on assets | 1.1736% | 2,499 |
| Return on Equity (ROE) | 10.5184% | 1,922 |
| Retained earnings to average equity (ytd only) | 10.5184% | 744 |
| Net charge-offs to loans | 0.1157% | 5,019 |
| Credit loss provision to net charge-offs | 264.2105% | 1,438 |
| Earnings coverage of net charge-offs (x) | 20.3000% | 1,222 |
| Efficiency ratio | 58.6735% | 6,279 |
| Assets per employee ($millions) | 5.6746% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 7,098 |
| Loan loss allowance to noncurrent loans | 84.6154% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 5,987 |
| Noncurrent loans to loans | 0.9079% | 5,465 |
| Net loans and leases to total assets | 56.4611% | 5,633 |
| Net loans and leases to deposits | 63.0731% | 6,131 |
| Net loans and leases to core deposits | 64.6789% | 6,348 |
| Total domestic deposits to total assets | 89.5170% | 1,170 |
| Equity capital to assets | 8.0515% | 6,697 |
| Core capital (leverage) ratio | 7.4634% | 6,855 |
| Tier 1 risk-based capital ratio | 12.4440% | 4,912 |
| Total risk-based capital ratio | 13.1883% | 5,338 |
| Memoranda: | ||
| Average total assets | $571,555,670 | 1,194 |
| Average earning assets | $541,105,000 | 1,140 |
| Average equity | $44,969,000 | 1,483 |
| Average total loans | $328,354,670 | 1,391 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0768% | 4,643 |
| Cost of funding earning assets | 1.8592% | 1,618 |
| Net interest margin | 3.2176% | 6,238 |
| Noninterest income to average assets | 0.2212% | 6,382 |
| Noninterest expense to average assets | 1.9143% | 7,310 |
| Loan and lease loss provision to assets | 0.3240% | 3,470 |
| Net operating income to assets | 0.7592% | 3,164 |
| Return on assets (ROA) | 0.7269% | 3,434 |
| Pretax return on assets | 0.9804% | 3,163 |
| Return on Equity (ROE) | 9.3495% | 2,357 |
| Retained earnings to average equity (ytd only) | 9.3495% | 1,305 |
| Net charge-offs to loans | 0.0573% | 4,835 |
| Credit loss provision to net charge-offs | 978.7234% | 476 |
| Earnings coverage of net charge-offs (x) | 40.7234% | 678 |
| Efficiency ratio | 58.6788% | 6,383 |
| Assets per employee ($millions) | 5.8511% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 7,148 |
| Loan loss allowance to noncurrent loans | 108.4536% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 6,401 |
| Noncurrent loans to loans | 0.7306% | 5,859 |
| Net loans and leases to total assets | 58.0158% | 5,434 |
| Net loans and leases to deposits | 65.1909% | 5,914 |
| Net loans and leases to core deposits | 67.0141% | 6,202 |
| Total domestic deposits to total assets | 88.9937% | 1,516 |
| Equity capital to assets | 7.8702% | 6,789 |
| Core capital (leverage) ratio | 7.3643% | 6,973 |
| Tier 1 risk-based capital ratio | 12.1515% | 5,035 |
| Total risk-based capital ratio | 12.9302% | 5,460 |
| Memoranda: | ||
| Average total assets | $567,926,500 | 1,229 |
| Average earning assets | $536,794,000 | 1,176 |
| Average equity | $44,152,000 | 1,521 |
| Average total loans | $327,864,500 | 1,438 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2528% | 5,400 |
| Cost of funding earning assets | 2.5991% | 781 |
| Net interest margin | 2.6537% | 7,273 |
| Noninterest income to average assets | 0.2287% | 6,476 |
| Noninterest expense to average assets | 2.0312% | 7,316 |
| Loan and lease loss provision to assets | 0.1112% | 6,533 |
| Net operating income to assets | 0.4885% | 3,778 |
| Return on assets (ROA) | 0.3236% | 4,525 |
| Pretax return on assets | 0.3943% | 4,513 |
| Return on Equity (ROE) | 4.3476% | 3,945 |
| Retained earnings to average equity (ytd only) | 4.3476% | 2,194 |
| Net charge-offs to loans | 0.1168% | 6,000 |
| Credit loss provision to net charge-offs | 168.0328% | 2,561 |
| Earnings coverage of net charge-offs (x) | 10.6776% | 1,658 |
| Efficiency ratio | 74.1910% | 3,861 |
| Assets per employee ($millions) | 6.0457% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6849% | 7,406 |
| Loan loss allowance to noncurrent loans | 43.1266% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 0.9050% | 5,288 |
| Noncurrent loans to loans | 1.5882% | 4,270 |
| Net loans and leases to total assets | 56.5917% | 5,886 |
| Net loans and leases to deposits | 64.1361% | 6,245 |
| Net loans and leases to core deposits | 77.7803% | 6,273 |
| Total domestic deposits to total assets | 88.2370% | 1,865 |
| Equity capital to assets | 7.6784% | 6,879 |
| Core capital (leverage) ratio | 7.1715% | 7,092 |
| Tier 1 risk-based capital ratio | 11.9364% | 5,001 |
| Total risk-based capital ratio | 12.6003% | 5,514 |
| Memoranda: | ||
| Average total assets | $553,083,600 | 1,255 |
| Average earning assets | $522,920,600 | 1,213 |
| Average equity | $41,172,200 | 1,625 |
| Average total loans | $313,239,400 | 1,528 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2642% | 5,603 |
| Cost of funding earning assets | 2.7028% | 782 |
| Net interest margin | 2.5614% | 7,397 |
| Noninterest income to average assets | 0.2318% | 6,567 |
| Noninterest expense to average assets | 2.0652% | 7,254 |
| Loan and lease loss provision to assets | 0.0716% | 6,638 |
| Net operating income to assets | 0.4252% | 4,301 |
| Return on assets (ROA) | 0.3020% | 4,889 |
| Pretax return on assets | 0.3682% | 4,882 |
| Return on Equity (ROE) | 4.0897% | 4,340 |
| Retained earnings to average equity (ytd only) | 4.0897% | 2,992 |
| Net charge-offs to loans | 0.1022% | 5,649 |
| Credit loss provision to net charge-offs | 123.9496% | 4,071 |
| Earnings coverage of net charge-offs (x) | 10.2141% | 1,989 |
| Efficiency ratio | 77.7768% | 3,202 |
| Assets per employee ($millions) | 5.9991% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6302% | 7,525 |
| Loan loss allowance to noncurrent loans | 51.6713% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 5,765 |
| Noncurrent loans to loans | 1.2197% | 4,907 |
| Net loans and leases to total assets | 56.0225% | 6,139 |
| Net loans and leases to deposits | 65.4112% | 6,364 |
| Net loans and leases to core deposits | 78.8220% | 6,431 |
| Total domestic deposits to total assets | 85.6467% | 2,892 |
| Equity capital to assets | 7.4455% | 7,339 |
| Core capital (leverage) ratio | 7.0282% | 7,415 |
| Tier 1 risk-based capital ratio | 11.9721% | 4,999 |
| Total risk-based capital ratio | 12.5817% | 5,549 |
| Memoranda: | ||
| Average total assets | $549,280,250 | 1,278 |
| Average earning assets | $519,694,750 | 1,227 |
| Average equity | $40,556,250 | 1,666 |
| Average total loans | $310,592,500 | 1,564 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3287% | 5,506 |
| Cost of funding earning assets | 2.7945% | 806 |
| Net interest margin | 2.5341% | 7,441 |
| Noninterest income to average assets | 0.2375% | 6,581 |
| Noninterest expense to average assets | 2.1637% | 7,139 |
| Loan and lease loss provision to assets | 0.0719% | 6,479 |
| Net operating income to assets | 0.3235% | 4,788 |
| Return on assets (ROA) | 0.3053% | 4,988 |
| Pretax return on assets | 0.3765% | 4,999 |
| Return on Equity (ROE) | 4.1472% | 4,434 |
| Retained earnings to average equity (ytd only) | 4.1472% | 2,984 |
| Net charge-offs to loans | 0.1453% | 4,729 |
| Credit loss provision to net charge-offs | 87.4439% | 4,998 |
| Earnings coverage of net charge-offs (x) | 5.7265% | 2,773 |
| Efficiency ratio | 82.1274% | 2,708 |
| Assets per employee ($millions) | 5.4738% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6263% | 7,585 |
| Loan loss allowance to noncurrent loans | 68.9276% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 6,120 |
| Noncurrent loans to loans | 0.9086% | 5,403 |
| Net loans and leases to total assets | 55.1641% | 6,323 |
| Net loans and leases to deposits | 62.6009% | 6,695 |
| Net loans and leases to core deposits | 74.0891% | 6,786 |
| Total domestic deposits to total assets | 88.1202% | 1,707 |
| Equity capital to assets | 7.3208% | 7,403 |
| Core capital (leverage) ratio | 7.0776% | 7,481 |
| Tier 1 risk-based capital ratio | 12.0844% | 4,844 |
| Total risk-based capital ratio | 12.6823% | 5,372 |
| Memoranda: | ||
| Average total assets | $542,401,670 | 1,305 |
| Average earning assets | $513,073,000 | 1,260 |
| Average equity | $39,930,670 | 1,705 |
| Average total loans | $307,021,330 | 1,612 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4265% | 5,285 |
| Cost of funding earning assets | 2.8724% | 825 |
| Net interest margin | 2.5541% | 7,436 |
| Noninterest income to average assets | 0.2215% | 6,699 |
| Noninterest expense to average assets | 2.0193% | 7,310 |
| Loan and lease loss provision to assets | 0.1459% | 5,070 |
| Net operating income to assets | 0.3581% | 5,029 |
| Return on assets (ROA) | 0.3922% | 5,065 |
| Pretax return on assets | 0.5149% | 5,039 |
| Return on Equity (ROE) | 5.3118% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.3118% | 2,950 |
| Net charge-offs to loans | 0.0092% | 5,526 |
| Credit loss provision to net charge-offs | 2,785.7143% | 246 |
| Earnings coverage of net charge-offs (x) | 117.5714% | 371 |
| Efficiency ratio | 76.6260% | 3,382 |
| Assets per employee ($millions) | 5.3856% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 7,430 |
| Loan loss allowance to noncurrent loans | 169.7089% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 6,737 |
| Noncurrent loans to loans | 0.4154% | 6,380 |
| Net loans and leases to total assets | 56.4126% | 6,178 |
| Net loans and leases to deposits | 65.4053% | 6,426 |
| Net loans and leases to core deposits | 79.1827% | 6,443 |
| Total domestic deposits to total assets | 86.2508% | 2,585 |
| Equity capital to assets | 7.4618% | 7,381 |
| Core capital (leverage) ratio | 7.2732% | 7,403 |
| Tier 1 risk-based capital ratio | 12.3050% | 4,702 |
| Total risk-based capital ratio | 12.9844% | 5,106 |
| Memoranda: | ||
| Average total assets | $534,439,000 | 1,325 |
| Average earning assets | $505,074,500 | 1,279 |
| Average equity | $39,459,000 | 1,723 |
| Average total loans | $305,563,500 | 1,638 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8008% | 6,428 |
| Cost of funding earning assets | 3.3629% | 779 |
| Net interest margin | 2.4379% | 7,818 |
| Noninterest income to average assets | 0.2312% | 6,781 |
| Noninterest expense to average assets | 1.8447% | 7,697 |
| Loan and lease loss provision to assets | 0.3841% | 3,389 |
| Net operating income to assets | 0.2432% | 5,724 |
| Return on assets (ROA) | 0.3376% | 5,229 |
| Pretax return on assets | 0.4084% | 5,238 |
| Return on Equity (ROE) | 4.5109% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.5109% | 2,321 |
| Net charge-offs to loans | 0.0428% | 6,178 |
| Credit loss provision to net charge-offs | 1,624.5763% | 267 |
| Earnings coverage of net charge-offs (x) | 28.7034% | 1,203 |
| Efficiency ratio | 73.1041% | 3,728 |
| Assets per employee ($millions) | 5.6417% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 7,534 |
| Loan loss allowance to noncurrent loans | 105.5263% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 6,101 |
| Noncurrent loans to loans | 0.6226% | 5,500 |
| Net loans and leases to total assets | 57.1637% | 6,312 |
| Net loans and leases to deposits | 66.1618% | 6,633 |
| Net loans and leases to core deposits | 80.6039% | 6,570 |
| Total domestic deposits to total assets | 86.3998% | 2,217 |
| Equity capital to assets | 7.3035% | 7,555 |
| Core capital (leverage) ratio | 7.2677% | 7,451 |
| Tier 1 risk-based capital ratio | 12.4163% | 4,497 |
| Total risk-based capital ratio | 13.0622% | 4,880 |
| Memoranda: | ||
| Average total assets | $499,046,000 | 1,352 |
| Average earning assets | $469,210,400 | 1,320 |
| Average equity | $37,353,800 | 1,809 |
| Average total loans | $275,496,200 | 1,739 |